Call reports 2013
MELROSE BANK — 2013
What MELROSE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 194,772,000 | 196,331,000 | 197,791,000 | 196,755,000 |
| Total loans | 129,848,000 | 130,124,000 | 131,873,000 | 132,515,000 |
| Allowance for loan losses | 489,000 | 504,000 | 509,000 | 509,000 |
| Securities available for sale | 37,774,000 | 37,435,000 | 37,667,000 | 40,570,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,856,000 | 175,730,000 | 176,961,000 | 175,568,000 |
| Interest-bearing deposits | 164,219,000 | 164,569,000 | 165,879,000 | 165,283,000 |
| Noninterest-bearing deposits | 9,637,000 | 11,161,000 | 11,082,000 | 10,285,000 |
| Equity capital | 20,231,000 | 20,086,000 | 20,235,000 | 20,577,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,367,000 | 2,741,000 | 4,110,000 | 5,501,000 |
| Interest expense | 376,000 | 776,000 | 1,169,000 | 1,544,000 |
| Net interest income | 991,000 | 1,965,000 | 2,941,000 | 3,957,000 |
| Noninterest income | 76,000 | 159,000 | 230,000 | 343,000 |
| Noninterest expense | 798,000 | 1,554,000 | 2,396,000 | 3,226,000 |
| Provision for loan losses | 15,000 | 31,000 | 36,000 | 36,000 |
| Pretax income | 254,000 | 539,000 | 739,000 | 1,038,000 |
| Income tax | 82,000 | 171,000 | 234,000 | 309,000 |
| Net income | 172,000 | 368,000 | 505,000 | 729,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,447,000 | 19,643,000 | 19,780,000 | 20,004,000 |
| Total capital | 20,467,000 | 20,597,000 | 20,840,000 | 21,229,000 |
| Risk-weighted assets | 115,292,000 | 130,300,000 | 115,958,000 | 118,297,000 |